Matching principal and interest method: loan principal: 65,438+050,000, assuming annual interest rate: 3.250%, loan life: 65,438+00 years, monthly repayment of principal and interest: 65,438+0465.79 yuan, and total repayment of principal and interest: 65,438+075,800 yuan. The interest paid in 1 month is: 406.25; The first 1 month principal repayment is:1059.54; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)